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I’m from the government, and I’m here to help!
Occasionally, I have seen this idea floated around. Since the IRS already has all our income data, what if the Service just prepared our tax returns for us and then sent them to us for review and editing? Apparently, some European governments do this, an approach called “ready return”. Around this time of year, when W2s and 1099s of all stripes not to mention all the lesser-used forms are starting to trickle in, the idea seems much more attractive than the annual scavenger

Alexandra Baig, CFP®
1 day ago4 min read


I'm dreaming of a logical public benefits system
Last night I dreamed that I was arguing, or maybe just “debating”, with two Social Security staff. We were sitting in a small, grey, fluorescent-lit conference room that probably looks a lot like an actual room in one of the field offices, even though I have not been in one since before the pandemic. I asked with frustration in my voice why it was taking 15 months to get a certain SSI application through when the applicant so clearly fit the “adult listing criteria” for a s

Alexandra Baig, CFP®
Jan 44 min read


Why You Should Charge Your Adult Child with Disabilities to Live with You
My sons are now 17 and a half and 14 and a half. They spend a good amount of their recreational time online, so our electricity bill is...

Alexandra Baig, CFP®
Oct 1, 20254 min read


Solving the Medicaid Rubik's Cube
Rubik’s Cubes, and their pyramidal, spherical, and other 3D-combination-puzzle spinoffs, were very popular in the early-1980s. Once one...

Alexandra Baig, CFP®
Aug 19, 20254 min read


The early bird gets the benefits
My husband and I take an exercise walk outside early in the morning on most days. In these sultry Midwest days of summer, the literal...

Alexandra Baig, CFP®
Jul 29, 20254 min read


Yes, SSA, I'm sure I'm me
Periodically, this post pops up in my social media feeds: “The biggest joke on humankind is that computers have started asking humans to...

Alexandra Baig, CFP®
Jul 22, 20254 min read


With Social Securty, the devil is always in the details
I was researching something else a couple of days ago when I came across POMS (Social Security Program Operations Manual) listing DI...

Alexandra Baig, CFP®
Jun 16, 20253 min read


Press one to wait on hold for a very long time
“Press one to hear our office hours and location. Press two for…”. You know the drill. You call your local Social Security office or...

Alexandra Baig, CFP®
May 18, 20254 min read


Stay calm and file the appropriate forms…
When you have been waiting for months for a decision on your Social Security disability application, and you get a denial letter with...

Alexandra Baig, CFP®
Apr 27, 20254 min read


Should I be concerned if my family member with a disability is "too capable"?
An out-of-town sibling expressed concern because his adult brother with a disability has an IQ of 72 and holds a job in which he earns...

Alexandra Baig, CFP®
Mar 20, 20254 min read


When Words Collide: Medicaid work requirements vs. the definition of “disability”
Work requirements have been raised in the past and are surfacing again in the context of Medicaid reform. In my nearly two decades of...

Alexandra Baig, CFP®
Mar 10, 20255 min read


With Social Security issues, your best offense is good data
People with disabilities, their families and friends, and those who work with them in professional capacities understand that the vast...

Alexandra Baig, CFP®
Feb 26, 20254 min read


People with disabilities should not face barriers to marriage
Recently, I watched Patrice: The Movie , available on Hulu. Happy/sad and honest, “Patrice” makes it clear why the term “special needs”...

Alexandra Baig, CFP®
Feb 20, 20254 min read


Just how DOES Social Security decide if a person “has a disability”?
Clients sometimes begin their outreach by expressing concern that their application for Social Security Disability benefits will be...

Alexandra Baig, CFP®
Feb 12, 20254 min read


Why it is a good idea for your young adult with disabilities to apply for Social Security before you do
Most financial planners advise individuals and couples to create a Social Security filing strategy that maximizes benefits payable but...

Alexandra Baig, CFP®
Dec 11, 20244 min read


Social Security Disability: One application fits all…and causes some confusion
I took myself and my sons to a new dentist recently. I had to fill out the usual new-patient paperwork. On the list of questions...

Alexandra Baig, CFP®
Nov 27, 20245 min read


With a disability, paying for Medicaid might make cents
While the variety of Medicaid eligibility categories can cause confusion, they are welcome to the extent that they allow people with...

Alexandra Baig, CFP®
Nov 5, 20243 min read


The ABC’s of AABD (Medicaid)
In this short series of posts, I am talking about Medicaid eligibility for people with disabilities. Most states, including my home...

Alexandra Baig, CFP®
Oct 24, 20244 min read


Find the Medicaid category that is best for your needs
Dental and gum health, it turns out, are important to the health of the rest of our body. So, we all need to brush our teeth. Growing...

Alexandra Baig, CFP®
Oct 18, 20244 min read


Take advantage of all disability related tax breaks
Taxes are one of those certainties of life. They may go up, they may go down, but they won’t go away. The best that taxpayers, with...

Alexandra Baig, CFP®
Oct 6, 20245 min read
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